Charset problems

[patrickdalla]

Hello,

I started using your parser in a project. The project parsers many file types from distinct SO. So I detected charset problem.

Your parser does not change the reader charset based on the headers or tags identifying the OFX/OFC itself.

[patrickdalla]

It is also difficult to change the charset, as it uses BufferedReader, so the subsequent chars were already "loaded" when the charset of the file is discovered.

[stoicflame]

Thanks for the report! If you apply I fix, I'm happy to review a PR.